It sounds like the problems are mostly shame and self-selection, which could perhaps be iterated on, for instance with some sort of automatic dynamic pricing. F

It sounds like the problems are mostly shame and self-selection, which could perhaps be iterated on, for instance with some sort of automatic dynamic pricing. For instance, it's a lousy first idea, but I wonder if credit card terminals can tell how close you are to your credit limit, and if you're close it'll automatically adjust your price downward.